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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $54,075 | $138,312-60.9% | $122,979-56.0% | $155,188-65.2% |
| Participation rate | 100.0% | 80.2%+19.8pp | 77.2%+22.8pp | 80.8%+19.2pp |
| Annual return | 19.44% | 22.06%-2.6pp | 20.12%-0.7pp | 148.84%-129.4pp |
| Employer contribution / active EE | $3,991 | $3,530+13.0% | $3,062+30.3% | $4,248-6.1% |
| Participant deferral / active EE | $4,848 | $5,592-13.3% | $5,003-3.1% | $6,531-25.8% |
| Admin fee / account holder | $1,079 | $15,089-92.8% | $12,864-91.6% | $14,480-92.5% |